Protecting your personal information is extremely important to us at Giraffe Money. The following Privacy Notice sets out how we collect, use and store your personal data and how we make sure your data is secure. This notice applies to you if you provide your personal information to us, even if you do not go ahead with an Individual Voluntary Arrangement (âIVAâ).
If you have any questions about how we may use your personal information, please contact us using the details below.
The information we collect from you relates to assisting you with your debts, the assessment of your suitability for an IVA and if appropriate the setting up and implementation of your IVA. We will only collect data that we actually need for these tasks, or where weâre required to collect the information to enable us to perform our legal, regulatory or contractual obligations or if we have your permission. We will collect:
If you provide us with personal information about someone else (such as a partner) please do so only with that personâs express consent. If you enter into a joint IVA, your personal information and any information about the service provided to you will be shared with the other person.
We will also use the personal information about the other person as set out under the terms of this privacy notice.
We collect information about you in a variety of ways:
We may only use/process your personal information lawfully if it falls into one or more of the following categories:
If you ask us for help or advice about your debts and/or make an application for us to assist you with an IVA, we will use your information to help us provide you with advice on appropriate solutions. If this information is not available, we may not be able to advise you or assist with an IVA. The information will be used to enable us to contact you via letter, email, text or telephone about your circumstances to provide advice and if relevant to keep you informed of where your IVA application is up to. In order to provide you with advice on your debts we must collect the following personal data:
We may use information from your credit file to provide confirmation of your creditor details and any history of insolvency or outstanding county court judgements.
We may share your information with:
Client Feedback
Where we have a copy of your personal information, we may contact you to ask you to provide a review about the services youâve received which may help us improve our current services. Although this information would really help us, you wouldnât be required to provide us with this information unless you were happy to. We consider that it is in our legitimate interests to contact you in this way.
Legal or Regulatory Obligation
We are required to process your personal information where we have a legal or regulatory obligation to do so, for example, to adhere to anti-money laundering or other regulatory obligations.
Responding to Complaints or Enquiries
If you make an enquiry or complaint to us, we will use your personal information to investigate the complaint and deal with your enquiry. We have a legal and regulatory obligation to deal with your complaint appropriately.
Internal Analysis
As part of our legitimate interest to develop our business we will use your personal information to assess our performance and for statistical analysis. We will use as little personal data as we can to achieve this. We may also share this analysis with third parties who provide us with services and where we have a contractual obligation to do so.
Social Media
We use publicly available social media platforms to promote our services. If you post a message on our Facebook page or similar platforms you should be aware that:
Cookies
When visiting our website, some information may be collected automatically using âcookiesâ. These are small text files that allow the processing of your data and enable us to analyse how the website is being used. Cookies can be temporary or permanent.
Temporary cookies are part of the security process while you are using the website;
permanent cookies identify the link you used to find our website, check your browser so that we can make sure that our website and services work well with your computer and to help us monitor traffic on our website.
in details and settings. You can turn them off â this wonât stop a website from working, but it might mean it wonât work as well as it could, or that you have to do the same thing more than once. Cookies tell website owners things like: what search engine a visitor used to find the website, how often theyâve visited it, how long theyâve spent on it, and so on.
The following cookies are the ones we use at Giraffe Money:
For more information about cookies and how to turn them off, please visit the websites of the relevant provider.
We will only share your personal information outside the European Economic Area (EEA), where we have your consent or to comply with a legal obligation, or where we work with a business partner to enable us to provide you with our services, and they process information outside of the EEA.If we do share your information outside of the EEA, we will make sure that it is protected in the same way as if it was being used in the EEA ensuring appropriate safeguards are in place. This may include putting in place a contract with the business partner that means they must protect the personal data to the same standards as the EEA.More information on this can be found on the European Commission Justice Website.
We take the protection of personal information seriously and will maintain appropriate measures to maintain the confidentiality, integrity and availability of the information you have provided. Such measures include:
To help us keep you up to date about the service we provide to you and to ensure that youâre kept fully informed, we may contact you by letter, telephone, email, text message, social media or may send you messages by any online customer platforms or other electronic means. If you start an application for an IVA through us we will attempt to contact you shortly after if you were unable to complete your application for whatever reason.
If you have provided us with your consent or where we are legally entitled to do so, we may contact you to let you know about other offers, products and services that we provide which may be of interest to you. We may do this through post, emails, text messages, telephone, social media or other electronic means.
If you do not want to be contacted in a particular way then you can request this at any time, but if we are providing a service to you, we do need to be able to send you communications. This can often be due to a legal or regulatory requirement.
It is important that you keep us up to date when you change your contact details to ensure that we use your up to date contact information.
You can easily let us know at any time if you would no longer like to receive these messages using the details below.
You have the right to request from us a copy of the personal information that we may hold about you. This is called a âData Subject Access Requestâ. You can request this information by contacting us as set out below. We wonât charge to provide you with this information.Before providing this information to you (or to another person or company where you have requested), we may ask for proof of identity or ask sufficient questions to enable us to locate the information and ensure that weâre only providing it where you have given your agreement.
Right to have your personal information corrected If the personal information we hold about you is incorrect you have the right to request that we correct this.
Right to stop or limit the processing of the data we carry out You may request that your personal information is deleted or that we stop processing the information if weâre no longer entitled to process it. There may be occasions where we are unable to delete the data due to our legal or regulatory obligations. We will however discuss this with you if you request for your information to be deleted.
Portability In some cases, you may be able to request for your information to be provided to you or to another company in a format that can be processed electronically by you or the other company. If you want to request this, youâll need to contact us and we will do our best to accommodate your request
If you have any questions or queries about how we use your personal information you can contact us at the address or email below:
Giraffe Money
3a Bridgewater street
Liverpool
L1 0AF
Email: hello@giraffe.money
If you are not happy with how we process your personal information you should contact us in the first instance. If youâre not happy with how we have dealt with your complaint you have the right to lodge a complaint with the Information Commissionerâs Office. You can find their details on their website at https://ico.org.uk/